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Creditor Contacts. December 2015 Confidential edition for IMA members, Advice UK advisers and others in the free-to-client advice sector.
These contacts are to help advisers to communicate with creditors on behalf of their clients about debt issues. Creditors are usually pleased to work with advisers as they know that an adviser will have worked with their client to
explore all the options, and will have taken into account the client’s full situation.
This creditors contact list contains direct telephone numbers, addresses and in some cases contact names for advisers to use when contacting creditors about their client’s debt problems. The contact details provided by creditors are not identical. For example, some creditors have specialist staff to deal with enquiries from third parties but others do not. You will need to find the creditor on the list and then see what services are provided. Not all creditors participate in the
contact list and work is on-going to develop this information.
Please note that the "escalation points" should be used with care – they are to help deal with situations that cannot be resolved through normal channels, and if they are misused they will be withdrawn.
This edition is for Citizens Advice partner agencies. There is an alternative edition for Citizens Advice advisers.
This next bulletin is planned for June 2016. Creditors often change their details - if you spot any gaps, amendments, deletions, corrections or want to feedback please contact: Alistair Chisholm, Creditor Liaison Policy Officer, Citizens Advice. Mobile: 07726 901 447 email: [email protected]
Thank you.
1 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Email Communication for Advisers To ensure compliance with the Data Protection Act and the recommendations of
the Information Commissioner’s Office, when communicating with creditors by email please ensure that you comply with the best practice and the requirements of your own agency. Some creditors may also issue additional guidance which should be complied with. The following guidance was
produced by the Citizens Advice information assurance team and is for information - please ensure you comply with best practice and your own organisation’s policies.
Key Points Unencrypted email is not a secure method of communicating client data and should be avoided, therefore:
● No personal data (i.e. data which would identify an individual) should be put in the subject line.
● Only the minimum data necessary should be included in the email, no data should be included which would allow a third party to identify the client. For example use the account number to identify the client rather than including their name and address. If further information is needed, combine the account number with part of their name (i.e. the 1st three letters of the surname) or part of their postcode (i.e. BD3 4) rather than their full name or address.
● If you are sending attachments which contain personal or sensitive data (such as Forms of Authority) then ensure that the attachment at least is password protected but ideally encrypted. A strong password should be used and the password should be communicated to the recipient via a different channel, for example via telephone.
2 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Contents ● 02 ● 1st Credit ● Acenden ● AIC - Allied International Credit ● Amigo Loans ● Aqua Credit Card ● Arrow Global ● Bank of Scotland ● Barclays ● Barclaycard ● Black Horse ● Bradford and Bingley - see UKAR ● Brighthouse ● Bristol Water ● Cabot ● Cahoot ● Capital One ● CapQuest ● Cash Converters ● Cash Genie UK Ltd ● Collectica Enforcement Services ● Creation ● Credit Services Association ● Express Finance (Bromley) Ltd ● Experto Credit ● Financial Ombudsman Service ● Fredrickson International ● Halifax Bank of Scotland - HBOS - (part
of the Lloyds Banking Group) ● HFC and Beneficial Finance ● HSBC ● Ikano Bank ● J D Williams ● Link Financial ● Lloyds Banking Group ● Lowell
● Halifax Bank of Scotland - HBOS - (part of the Lloyds Banking Group)
● HFC and Beneficial Finance ● HSBC ● Ikano Bank ● J D Williams ● Link Financial ● Lloyds Banking Group ● Lowell ● M&S Bank ● Marbles ● Marston Group Bailiffs ● MBNA ● The Money Shop ● Nationwide ● Natwest/RBS ● NCO Europe / RMA Resolve ● NewDay ● Northumbrian Water ● NRAM (Northern Rock Asset
Management) - see UKAR ● Opus ● Past Due Collection Services ● Payday Express / Payday UK ● Payday OK ● Platform ● Provident (and Greenwood) ● QuickQuid and Pounds to Pocket ● Rossendales ● Royal Bank of Scotland - see NAT WEST ● Santander UK PLC ● Shop Direct Finance Company Ltd /
Littlewoods
3 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
● South West Water ● Student Loans Company ● Tesco Personal Finance ● Trusted Quid / Trusted Cash ● TSB ● United Utilities ● UKAR ● Virgin Money
● Vodafone ● Welcome ● Wescot ● Wessex Water ● Woolwich ● Wonga ● Yorkshire Bank Home Loans
02 Debt Management Team - Tel: 0800 902 0217 02 Debt Management Team, PO Box 202 LU6 9AG
Small and Medium Business Collections - Tel: 0844 375 0203 02 Small and Medium Business Collections Sweet XY, Arlington Business Centre, Milshaw Park Lane, Leeds LS11 0NE
Escalation point: [email protected] 02 ask that the Payment Management Managers e-mail contact should only be used when it is really necessary to do so, and should not be used regularly or for all queries.
1st Credit Main number - Tel: 01737 235 202 Number for advisers - Customer care team - Tel: 01737 235 210 1st Credit, Customer Care, The Omnibus Building, Lesbourne Road, , Reigate Surrey RH2 7JP
Debt Support Officer: Clare Rochester Tel: 01737 228050 Email: [email protected]
The compliance team deal with complaints: Tel: 01737 235209 Compliance Team Leader Audrey Shim-Quee - Tel: 01737 228074 Email: [email protected]
If matters cannot be resolved via the debt support team or the compliance team, or you have general matters of concern, please contact Bob Kingdon at [email protected]
Acenden Servicing mortgages for brands including Capstone, Southern Pacific and Preferred Mortgages Customer services Tel: 0333 300 0426 Email: [email protected]
4 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Payment enquiries/collections and litigation: Tel: 0333 300 0468 Email: [email protected]
Acenden Limited, St Johns Place, Easton St, High Wycombe, Buckinghamshire HP11 1NL
AIC - Allied International Credit Tel number for advice agencies: Tel: 0141 228 3055 Adamson House, Towers Business Park, Didsbury, Manchester M20 2YY
NB: AIC’s Hardship Department deals with advice sector.
Specialist mental health contact Tel: 0141 228 3137 Fax: 0141 221 2541 Email: [email protected]
Amigo Loans Collections department Tel: 01202 629 161 Amigo Loans, Nova, 118-128 Commercial Road, Bournemouth, Dorset BH2 5LT
Escalation Contact: Nick Zainal. Tel: 01202 629 926. Alternatively, you can use this email about any case where there is concern: [email protected]
Aqua Credit Card Main enquiries Tel: 0330 220 2691 aqua Customer Services, PO BOX 173, Sheffield, S98 1JW
Arrow Global Tel: 0800 130 0169 Email: [email protected] Arrow Global, PO Box 5469, Manchester M61 0LW
Bank of Scotland See Halifax Bank of Scotland
Barclays Tel: 0333 202 7404 Barclays Bank PLC, 4 Piccadilly Place, Manchester M1 3BN
5 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
This is for all Barclays current accounts and loans in collections i.e. 1 to 6 months in arrears or in recoveries (i.e. more than 6 months in arrears).
All Woolwich and Barclays secured residential mortgages (including buy to let)
Tel : 0800 022 4022 Fax: 0845 6000 482
Mortgage Collections Centre, PO Box 8575, Leicester LE18 9AW
Barclaycard Tel (from landline): 0800 161 5220 Tel: (from mobile) 0333 202 78791
1234 Pavilion Drive, Northampton NN4 7SG
Escalation point: Jackie Broom Tel: 0151 552 4666 Email: [email protected]
Payments in respect of Barclaycard customers should be sent to: Barclaycard Postal Payments, Dept PP, Bolton BL11 1XX
Black Horse ALSO SEE LLOYDS BANKING GROUP ENTRY
Tel: 0844 824 8822
Black Horse Finance – general enquiries and submission of proposals (This
address or as as specified on customer correspondence): Black Horse Ltd, Collections &
Recovery, St William House, Tresillian Terrace, Cardiff, CF10 5BH
Complaints on behalf of customers related to general insurance products eg: loan repayment
protection: Customer Care, Lloyds Insurance, Tredegar Park, Newport, South Wales
NP10 8SB
Brighthouse Tel: 0800 526 069 Email: [email protected]
Bright House, 5 Hercules Way, Leavesden Park, Watford, WD25 7GS
Note: Accounts in collection / post-default accounts may be passed to Sygma Red
6 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Bristol Water Tel: 0800 528 3838. Email: [email protected] Social Policy Team, Bristol Wessex Billing Services, 1 Clevedon Walk, Nailsea, Bristol BS48 1WA www.bristolwater.co.uk Bradford and Bingley See UKAR
Cabot Tel: 0800 917 2226 Email: [email protected] Fax: 01732 521216
Cabot Financial Europe Limited, PO BOX 241, West Malling, Kent.ME19 4NA
For issues of concern contact: Ajay Mitha, Customer Support Team [email protected]
Cahoot Tel: 0800 587 1111
Cahoot, 3rd Floor, Friars House, Hanover House, Coventry CV1 2TE
Capital One Tel: 0800 9524914 Fax: 0115 8433328 -For all enquiries from advisers including full and final settlement offers) Specialist Support Unit, Capital One (Europe) PLC, PO Box 5282, Nottingham, NG2 3YX
For urgent matters please contact: 0115 843 6753
For a point of escalation please contact [email protected]
Capital One’s best practice points for advisers:
Data Protection Act
● All inbound calls need 3 security checks to be passed before any account information can be disclosed – this is to fulfil our compliance obligations under the Data Protection Act.
● We will always ask you for customer’s date of birth plus 2 other unique pieces of information such as customer post code, telephone number etc.
Correspondence
7 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
● Please use the MAT/BBA Common Financial Statement (CFS) template in all cases as we will trust the guidelines have been followed if this template is used. Using the (CFS) will mean we can decision more of your proposals without any undue delay and further correspondence.
Customer Education
● Please encourage all customers to make token payments to us until a proposal has been agreed with CAB – this will prevent their account being defaulted and potentially being sent to a Debt Collections Agency or sold.
● We could accept more customers onto reduced payment plans if they stop spending at the point of signing authority with CAB – any* spending after this date may result in their request for a reduced payment plan being declined.
● We accept that in some cases (Sky contract) payments can not be stopped immediately. This type of ongoing spend will be looked at sympathetically.
Write Off requests
● Write offs are considered as an exception, should any other debt remedy solution not be viable. All options should be considered prior to submitting a write off request (such as a Debt Relief Order for clients with low Disposable income/ debt level).
● All write off requests need to be submitted along with supporting medical evidence where applicable. This needs to be dated within the last 3 months.
● An up to date income and expenditure form is required for all write off requests, with clear explanations of any excessive items of expenditure.
CapQuest Tel: 0333 999 7239 Fax: 0333 999 7299 Email: [email protected] Capquest Group, Templer Avenue, Farnborough, Hampshire, GU14 6FE
Cash Converters Tel: 01928 737410 Email:[email protected]
Cash Converters UK Ltd, Innovation House, Aston Lane South, Preston Brook. Cheshire WA7 3FY Complaints: Tel: 01928 70 6739 or by post to the above address
Note: an account may be dealt with by the local store, these are national their details.
Cash Genie UK Ltd General enquiries - Tel: 0845 956 9848 or 01473 297210 [email protected] Collections team - Tel: 0800 046 8121 or 01473 297210 Complaints - Tel: 01473 297210
8 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Cash Genie, 2 Reavell Place, Ipswich, Suffolk IP2 0ET FCA statement on Cash Genie:, august 2015: https://www.fca.org.uk/news/cash-genie-customers-refund-debt-write-down
Collectica Enforcement Services NB: Formerly Phillips Bailiffs, now part of the Marston Group.Tel: 0844 800 4588 Collectica, PO box 997, Doncaster, DN1 9GD
Creation Financial Difficulties Department- Tel: 0845 456 5024 Fax: 0121 712 5332
Credit Services Association Contact details for all CSA members and details of the CSA’s complaints procedure can be found at: www.csa-uk.com
Express Finance (Bromley) Ltd Tel: 0115 908 1162 See Payday Express for postal address
Experto Credit Advisers Line: Tel: 08445 765 734. Public line: :0118 956 9127 24 Portman Rd, Reading, West Berkshire RG30 1EA
Financial Ombudsman Service Tel: (phone line for advisers): 020 7964 1400 Email: [email protected] Fredrickson International Tel: 0845 313 6626 Email: [email protected] Fredrickson International Limited, PO Box 260, Weybridge, Surrey, KT13 0YH
9 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Halifax Bank of Scotland - HBOS (part of the Lloyds Banking Group)
● All Bank of Scotland accounts e.g: personal loans and preference accounts (excluding credit cards & current accounts) Tel: 0808 145 0665 Collections & Recoveries, Retail Bank Collections, Charterhall House, Charterhall Drive, Chester CH88 3AN
● All Halifax accounts and Bank of Scotland credit cards & current accounts in Collections Tel: 0808 145 0665 Halifax Bank of Scotland, Retail Bank Collections, PO BOX 718, Leeds, LS1 9GB
● All other accounts in recoveries Tel: 0808 145 0361 Collections & Recoveries, Retail Recoveries, PO Box 66, ROSYTH KY11 2WG Secured lending Halifax including Bank of Scotland and TMB mortgage payments Tel: 0808 145 0437 - if the customer has not yet fallen behind with their mortgage payments
● Halifax including Bank of Scotland and TMB mortgage payments. Tel: 0808 145 0375 - if the customer has not yet fallen behind with their mortgage payments
● Home Owners' Support Fund (Scotland) and the Welsh Mortgage Rescue Scheme (SHG - Social housing grant option) Tel: 0808 145 0915 Fax: 0845 835 7850 Email: [email protected]
● Complaints on behalf of customers re: HBOS Collections or Recovery activity Customer Services Halifax Bank of Scotland, Customer Relations, PO Box 718, Leeds LS1 9GB
Escalation Contacts for Halifax Bank of Scotland Halifax & Bank of Scotland escalation process:
● Call dedicated telephony teams in the first instance. They can deal with all general account queries.
● If you still require assistance, email the central mailbox. You should receive a response within 24 hours.
● You should email or call a named contact ONLY after attempting telephony and central mailbox options.
● If you wish to make a formal complaint, please contact Customer Relations teams directly, do not used named contacts below.
Secured lending - escalation contact
To escalate an issue relating to secured and mortgage arrears policy then please email:
10 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
James Kelly, Government and Industry Liaison Manager Mobile: 07824 600354 Email: [email protected] A completed form of authority must be in place prior to using this contact.
Note: If an issue is the subject of a formal complaint it must be dealt with by the complaints team.
Escalation contact unsecured lending issues and issues relating to HBOS policy and procedures, please contact: Antoinette Eaton, Money Advice Liaison Manager Mobile: 07876 038705 Email: [email protected]
Customer Priority Team
The Customer Priority Team (CPT) at HBOS offer extra help and support to people who have long term health problems, critical illnesses, mental health issues or hearing impairments. They also offer extra help to prisoners.
Advisers can access this team by sending all relevant information, such as medical evidence, to:
Customer Priority Team, Charterhall House, Charterhall Drive, Chester CH88 3AN
Once an account has been transferred to this team advisers will be given a direct telephone number for the CPT. Please note this team can only deal with unsecured HBOS accounts that are in arrears but have not yet been defaulted. They cannot discuss full and final offers or write offs.
HFC and Beneficial Finance NB: Part of HSBC
Customer Service - Tel: 0370 010 0453 P.O.Box 5055, Coventry CV3 9EF Complaints - Tel: 0345 602 3793 P.O.Box 5207, Coventry, CV3 9FB Collections - Tel: 0370 010 1138 P.O.Box 5204, Coventry CV3 9EY insolvency correspondence: Collections Centre, PO Box 5206, Coventry CV3 9FA
HSBC
General collections overdraft/loans Tel: 0345 609 0812 PO Box 6277, Coventry CV3 9JJ
Public customer support line- Tel : 0345 740 4404 For Customers with mental health issues - Tel: 01226 261 079 / 0345 604 8335
Credit Cards Collections: Tel: 0345 607 7088 Public Credit Card line- Tel: 0345 600 7010 HSBC public phone numbers: http://www.hsbc.co.uk/1/2/popups/phonebook
11 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Complaints/Issues of concern: HSBC, PO Box 6277, Coventry CV3 9JS
If matters cannot be resolved by this team please use this contact - (please note M&S Bank is party of HSBC so these email addresses are correct). Emma Burke, Debt Recovery Manager, HSBC Tel: 01244 686078 Mob: 07920 082562 Email: [email protected]
Financial hardship claims (with regards to charges) Customer Service Centre, Arlington Business Centre, Millshaw Park Lane, LeedsLS11 0PP
Ikano Bank Tel: 0115 850 3000 - (advisers should choose the “customer “ option from the menu) Ikano Bank, Waterfront House, Station Street, Nottingham NG2 9LX
J D Williams Tel: 0345 071 9018 J D Williams, Griffin House, 40 Lever Street, Manchester M60 6ES
Brands include: Ambrose Wilson, Crafting Direct, Fifty Plus,Heather Valley, Home Essentials, Home Shopping Direct, Julipa, Oxendales, Premier Man, Shoe Tailor, Special Collection, Thats My Style.
Link Financial Public number Tel: 0800 064 4499 Third party team Tel: 02920 808 690 LINK Financial Outsourcing Ltd, PO BOX 30095, London SE1 7WU The email address for all correspondence is: [email protected].
Lloyds Banking Group Adviser telephone enquiries for accounts in Lloyds Collections (Current Act's, Loans & Credit Cards) Tel: 0808 145 0385
Correspondence re: current account, loan and credit cards if branch-based or in Collections – general enquiries and submission of proposals: Lloyds Collections, PO Box 487, Brighton BN1 4GY
All accounts in Recovery including credit cards - submission of proposals and all other correspondence - Tel: 0808 145 0363. Lloyds Recoveries, PO Box 487, Brighton BN1 4GY
Mortgages:
Tel: 0808 145 0692 - if the customer has not yet fallen behind with their mortgage payments
12 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Tel: 0808 145 0399 - if the customer is already behind with their mortgage payments
Home Owners' Support Fund (Scotland only)
For Home Owners' Support Fund (HOSF) cases the contact details are Tel 0845 6094440 or email - [email protected]
Mortgage Rescue Scheme (Wales only)
For Mortgage Rescue Scheme (MRS) cases the contact details are: Tel: 0845 6094440 or email - [email protected]
Complaints ● Complaints on behalf of customers re: Lloyds Collections or Recovery activity. Lloyds
Banking Group. LLoyds Banking Group, Customer Services BX1 1LT ● Complaints on behalf of customers – non-collection/recovery related eg. perceived
inappropriate lending. Lloyds Banking Group, Customer Services, PO BOX 112, Cannons House, Cannons Way, Bristol BS99 7LB
● Complaints on behalf of customers related to general insurance products eg: loan repayment protection. Customer Car, Lloyds Insurance, Tredegar Park, Newport, South Wales NP10 8SB
Escalation contacts Lloyds escalation process: Call dedicated telephony teams in the first instance. They can deal with all general account queries. You should email or call a named contact ONLY after attempting centralised telephony options.If you wish to make a formal complaint, please contact Customer Relations teams directly, do not use named contacts below.
All Lloyds Bank Accounts, Loans and Credit Cards where a letter of authority has already been sent to us and where a letter of authority has already been sent in:
Daytime team Tel: 0808 145 0363 Loans: 0800 096 128 Kate Leech 07787 530798 Anna Brocklehurst 07557 661435
Evening team: Collections Tel: 0808 145 0360 Lucy Brewster 01273 636488 Dave Drake 01273 636488
For unsecured accounts and general issues relating to Lloyds Banknig Group policy and procedures, please contact: Antoinette Eaton, Money Advice Liaison Manager Mobile : 07876 038705. Email: [email protected]
13 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Secured lending. For issues relating to secured and mortgage arrears policy then please email: James Kelly, Government and Industry Liaison Manager Mobile: 07824 600354 Email: [email protected] completed form of authority must be in place prior to using this contact. Note: If an issue is the subject of a formal complaint it must be dealt with by the complaints team.
Lowell Public number: Tel: 0333 556 5550 Advice agency / company contact - Tel: 0845 279 7117 Email: [email protected]
Lowell Financial, PO Box 164, Leeds, LS10 9EH
Adviser/Debt management team Lowell has a specialist team that works with advisers, and debt management companies. The team’s contact details are: Tel: 0845 279 7117 Email: [email protected]
Please note: Lowell must receive written authority from our customer before they are able to deal with a third party organisation. Cases will be escalated as appropriate.
Customer website Lowell has a dedicated customer website www.betterwayforward.co.uk, which is a useful source of information on Lowell. Customers will find answers to frequently asked questions and can set up repayment plans online.
Repayment plans Lowell’s policy is that repayment plans should be suitable and affordable. Lowell will accept any realistic repayment offer that is supported by an appropriate income and expenditure statement.
Complaints resolution Lowell is committed to resolving complaints in a fair and consistent manner. A copy of its complaints policy is available at www.betterwayforward.co.uk
If a customer is unhappy with their Lowell experience, please contact one of Lowell’s dedicated complaint resolution officers:
Tel: 0800 542 0058 Email: [email protected]
M&S Bank Tel : 0345 300 6135 (Public number - Tel: 0345 900 0900)
Debt Management Team, Kings Meadow, Chester Business Park, CHESTER CH99 9FB
Contact for issues of concern
14 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Emma Burke, Debt Recovery Manager, M&S Bank, Tel: 01244 686078 Mob: 07920 082562 Email: [email protected]
Marbles Tel: 021 688 84100 marbles Customer Services, PO BOX 171, Sheffield, S98 1JS
Marston Group Bailiffs Tel: 01706 833 771 Marston Group Limited,PO Box 12019, Epping CM16 9EB Escalation contacts (for advisers only): Mike Marrs. Mobile:07739 774 487 [email protected]
MBNA Dedicated Third Party Telephone Line - Tel: 01244 574667 Customer Assistance, PO Box 30, Chester Business Park, Chester CH4 9WW
CAB adviser’s Fax No. for general queries and urgent correspondence: 01244 574 667
Fax No. for Forms of Authority and Income and Expenditure submissions ONLY: 0208 639 8826
Contact for issues of concern: Lynda Fletcher: [email protected]
The Money Shop Primary number for advises - The Financial Assistance Specialist team (FAST) - Tel: 0800 0542100 Fax Number: 01159 478379 (the best one to use when sending documents through) General email: [email protected]
The Money Shop Head Office, Castlebridge Office Village, Kirtley Drive, Castle Marina, Nottingham NG7 1LD
Nationwide Personal Loans, Flex Accounts and Mortgages in arrears. Tel 0800 464 3040 Nationwide, Lending Control, Kings Park Road, Moulton Park, Northampton NN3 6NW
Credit Cards Tel: 0800 464 30 50 Customer Assistance Department, PO Box 8738, Wigston LE18 9BG
15 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
If the credit card account is between 90 and 210 days in arrears call: Nationwide Recoveries - Tel: 0800 464 3124 . If the account is more than 210 days in arrears call: Nationwide Recoveries (Northampton) - tel: 0800 464 3121.
Contact points for complex credit card cases: [email protected] Credit Cards escalation contact: James Tipler Tel: 01604 854646
Nationwide Recoveries Tel: 0800 464 3121 Fax: 01604 853506 Email: [email protected] PO Box 518, Northampton, NN3 6UQ
Unsecured Litigation Team, Lending Control, Nationwide Building Society, Kings Park Road, Northampton, NN3 6NW Fax: 01793 656921 Tel: 0845 600 7072
If loans, current accounts or credit cards are subject to legal action you should contact the relevant solicitor dealing with the account. If a solicitor has not been appointed the account will remain with their internal litigation team:
NATIONWIDE SPECIALIST LENDING - THE MORTGAGE WORKS (TMW) & UCB MORTGAGES
Tel: 0800 077 8229 or 0800 328 3021 - Pre-Litigation Team Collections Fax: 01202 562575 E-Mail: [email protected]
Mortgage Tel: 0800 212 508 - Home Loans Tel : 0800 328 3021 Fax: 01202 562575 E-Mail: [email protected]
Recoveries Litigation Team - Tel: 0800 028 3331 Fax: 0845 3020 102 E-Mail: [email protected]
LPA Team including Mortgage Rescue Scheme (MRS) Cases LPA & MRS Tel: 0800 028 3219 LPA & MRS Fax: 01202 562458 LPA E-Mail:[email protected]
Nationwide Building Society, Specialist Lending Control, Portman House Richmond Hill, Bournemouth, Dorset BH2 6EP
ESCALATION POINTS
In the first instance, if the originator is not happy with the output of a discussion with an Advisor, they should ask to be referred to the Team Manager. If the Team Manager cannot help a referral can be made to the department. If you have exhausted all other channels and feel you still need to discuss a case, or you would like to raise a policy or general customer experience issue with Nationwide please contact: Gareth McNabb, Money Advice Liaison Money Advice Liaison Manager. Email [email protected] Tel: 01604 854 536 Fax: 01604 853 897 Mobile: 07525 104 52
Natwest/RBS 16 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Customers in financial difficulty - Tel: 0345 301 5441
Loans & Current Accounts - Collections Nat West Bank Tel: 0345 3015442. RBS Tel: 0345 3015425 Birmingham Collections, 4th Floor, 7-10 Brindley Place, Birmingham B1 2TZ
The collections department deals with customers who have received a contact or a letter from the collections teams, if the customer is onw payment down for loan(s), £250 over the limit on overdrafts, 60 or more day dormancy for standard current accounts & 90 day dormancy for student accounts.
Loans & Current Accounts - Recoveries
Nat West Bank- Tel: 0345 3015137 RBS: Tel: 0345 3015139 PO Box 16403, 7 Brindley Place, Birmingham, B2 2BU
Use when a customer has received contact or a letter from Credit Management Services. If the customer is 2 payments or more down on their Loan or is in £500 excess limit on their overdraft.
Credit Cards Services (financial difficulty - public number)- Tel: 0370 3339091 Credit Card Services (general public number) Tel: 0370 907 0010
Credit Cards Collections: Cards Collections & Recoveries PO Box 5747, Southend on Sea, Essex SS1 9AJ
Credit Cards - Recoveries Use when a customer has received contact or a letter from our Credit Management Services.
RBS & Nat West Bank - Tel: 0800 585774 Cards Collections & Recoveries PO Box 5747, Southend on Sea, Essex SS1 9AJ
Mortgages - Collections Direct Line, One Account, First Active - If the customer is 2 payments or less down on their Mortgage
NWB - Tel: 0345 303 019 RBS - Tel: 0345 300 9635 Secured Collections, 7-10 Brindley Place, Birmingham, B1 2TZ
Mortgage - Recoveries - If the customer is 3 payments or more down on their Mortgage
Nat West Bank- Tel: 0345 303 0191 RBS- Tel: 0345 300 9635 PO Box 16331, 7 Brindley Place, Birmingham, B2 2YA
Lombard Business Finance and Personal Loans Lombard number: 0345 246 4203
Escalations: Paul Scott ([email protected]) Tel: 01709 847842 Lombard, North Central, Cyan House, Adwick Park, PO Box 520, Wath Upon Dearne, Rotherham,S63 5AD
17 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Mint Credit Cards – Collections and Recoveries- Handle any queries relating to Credit Card recoveries for Mint. Tel: 0800 585 3774 PO Box 5747, Southend-on-Sea, Essex SS1 9JA
If you still need to escalate an issue after having used these contact details please contact Neil Taylor Mobile: +44 (0) 7880 473005, Email: [email protected]
NCO Europe / RMA Resolve Tel: 0330 060 1150
NCO Europe Ltd, New City House, 57-63 Ringway, Preston, England PR1 1AF
For issues of concern contact: [email protected]
If matters still need to be escalated contact: Nicola Booth, Email: [email protected] Tel: 01772 843069
NewDay (Formerly GE Money Cards and then Santander Cards)
Number for Advice Agencies (Financial Solutions Unit) Tel: 0871 522 5791 New Day Limited, PO Box 700, Leeds LS99 2BD
Northumbrian Water Customer Service Advisors Tel: 0345 266 0585
Northumbrian Water, Customer Centre, PO Box 300, Durham DH1 9WQ
NRAM See UKAR.
Opus Tel: 020 7871 0464 Opus Card Services, PO Box 136, Sheffield, S98 1HB
Opus accounts are now owned by New Day. They are no longer open to new customers. The Opus cards were previously known as Citi Cards and were previously owned by Citibank Financial.
18 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Past Due Collection Services Tel: 0141 951 6448 1 Blair Court, Clydebank, G81 2LA
Payday Express / Payday UK Tel: 0800 652 4661 Tel: Debt Management Care Team Team Tel: 0800 980 5443 Fax: 0800 652 4662 [email protected] Payday Express, PO Box 255, Bicester, Oxfordshire, OX26 4ZY
Payday OK Tel: 020 8680 0990 Fax: 020 8680 0666 Unit 6B ZK Park, 23 Commerce Way, Croyden, Surrey CR20 4ZS Note: This company has taken over the loans issued by for Cash Store Limited (no longer trading) and operating as a debt purchase under the name SLL Capital.
Collections specialists who deal with client’s in Hardship and Financial Distress.
1/ Joshua Hopkins Tel: 0208 253 4136 Email: [email protected]
2/ Vivek Mehta Tel: 0208 253 4139 Email: [email protected]
Safeloans have a client login self-help area where a customer can complete an online income and expenditure form in line with the Common Financial Statement, - they are licensed by the Money Advice Trust. Safeloans have provided this brief summary for convenience – it is not an exhaustive guide to all their procedures dealing with clients in Financial Distress:
Safeloans offer fixed sum payment plans starting from as low as £5 per week or £20 per month and and incorporate £1 token payments while debtor information is being assembled by Debt advice groups held for an initial 30 days which is extended by a further 30 days upon receiving confirmation of a debt advice organisations involvement. They accept all payments tendered to a client’s account and confirm that all interest and charges are frozen at the initial point of contact from client or Debt Advice Organisation. They always try to direct a client to first seek the advice of a FREE debt advice organisation such as CAB, Step Change, Payplan, National Debt Relief etc. so that all of the clients disposable income goes towards paying off their creditors debts rather than paying fees to a commercial debt management company which ultimately means less money is available to repay the debts and the repayment period to discharge the debt will be longer. If a client requires Free independent financial advice we direct them to the Money Advice Service.
Platform 19 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Tel: 01752 236 550 Platform Collections Centre, PO Box 237, Plymouth, PL1 1WG
Provident (and Greenwood) Customer Services Line Tel: 0800 096 6064 Fax: 01274 724310 Provident customer services, No 1 Godwin Street, Bradford, West Yorkshire BD1 2LS Email: [email protected]
To ensure that the Customer Services Team provides you with details of all your clients’ accounts, please send separate holding and offer letters where:
· your client has debts both to Greenwood and Provident
· your clients are a couple and both have separate debts to Provident/Greenwood.
Useful information
Once letter received by them they will contact local office to say about the agency involvement and transfer the account to be managed from head office. Agents will no longer call nor will letters be automatically generated.
For issues of concern
Ms Julie Turner, Customer Service Manager, Provident Financial Management Services Ltd, No 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
Complaints - Public number Tel: 0800 096 6064
To make a complaint or alter Provident/Greenwoods to a potential social policy issue, advisers should write to: Customer Relations, No 1 Godwin Street, Bradford BD1 2SU Or if it is more urgent contact:
● Peter Cundy Tel 01274 351407 Fax 01274 734749 [email protected] ● Customer Contact Support Team Tel 01274 351554 ● NB: The office is staffed from Monday to Friday from 0900 to 1700.
Please note when making a complaint Provident ask:
Any adviser contacting us will need to provide a customer’s full name, address and postcode.
An adviser will also need to provide his or her own contact details and those of the organisation the organisation he or she works for. As complaints may be provided by phone, email or fax it will aid our response to know to whom, where and by what method a response can be provided. (Ideally we would also like to have a customer number – this can be found on the front of a customer’s payment book – however we should be able to trace the vast majority of customer accounts from name and address details.)
20 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
All complaints received will be systematically recorded on our existing complaints database.
Responses will be provided within our current timeframe for complaints.
We will maintain a separate recording category for all free money advice complaints. This category will be monitored on a regular basis (as are all categories of complaint).
QuickQuid and Pounds to Pocket Customer Support Line - Tel: 0800 056 1515 (available 24/7) Adviser / Debt Management hotline- Tel: 0800 016 3314 (available M-F 8:00-20:00 & Sat 10:00-16:30)
Quick Quid have asked us to distribute the hotline number to your debt advisor personnel for use in cases that either have not been properly addressed through normal communication channels and/or require urgent action.
Example situations where hotline use may be appropriate include:
- If advisor believes we have not acted correctly or timely in establishing a suitable workout
- If collections activity persists after it is known a customer is working with an advisor and immediate action is required
- When a Continuous Payment Authority needs to be revoked immediately and normal cancellation processes have failed
- If a dispute has not been resolved to advisor’s satisfaction through normal channels
Quick Quid and Pounds to pocked encourage using standard channels of communication whenever possible. Their resolution specialists will staff the hotline Monday-Friday 8:00-20:00 and Saturday 10:00-16:30. If for whatever reason your personnel are not able to get through or need to contact us outside of operating hours, please leave a voicemail and our managers will have someone ring back straightaway.
Rossendales Enforcement Agents / Rossendales Collect Debt Collection
Enquiry and Payment Line- enforcement agents - Tel: 0844 701 3980 Fax Line: 0844 701 3982 Rossendales Collect (i.e. debt collection NOT enforcement agent) Tel: 01706 833772 PO Box 324, Rossendale, BB4 0GE Email: [email protected] Email: [email protected]
21 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Complaints can be made in writing by email to [email protected] or to Complaints Department, Rossendales, PO Box 324, Rossendale, BB4 0GE
Rossendales Enforcement Agents complaint process can be found here: http://www.rossendales.com/index.php/making-an-enquiry
Rossentals Collect Complaints (ie the debt collection arm or Rossendales as distinct from the enforcement agent/bailiff arm) can be made in writing by email to [email protected] or to: Rossendales Limited, PO Box 324, Rossendales, BB4 0GE Telephone complaints can be made to the following number: 01706 833772
Royal Bank of Scotland SEE NATWEST
Santander UK PLC Collections and Recoveries Tel: 0800 587 1122 Public line - Tel: 0800 389 6655 PO Box 476, Hull HU9 9EU Santander Credit Cards CAB Advisers Only Tel: 01908 349 947
SCL Collections, AAM230, 201 Grafton Gate East, Milton Keynes MK9 1AN
Unsecured and Bank Account Collections:
● Santander Personal Bank Account - Tel: 0800 678 3322
● Unsecured Personal Loans - Tel: 0800 587 1122
● Unsecured Debt Management Recovery Services (DMRS) - Tel: 0800 587 1122
● Santander Flexi Loans, Santander Fixed Rate Loans, Cahoot MTA Tel: 0800 678 3322 / 0800 678 3322 / 0800 587 2211
● Instant Plus Account - Tel:0800 587 1122
● Youth Banking Products Tel: 0800 587 1122
● Santander Credit Cards Cahoot, Store Cards & Store Branded Mastercards and Santander Credit Cards Tel: 0800 389 7897 / 0800 389 6655 / 0800 389 6655
● Business & Professional Banking AccountsTel: 0800 169 3371
Santander (Mortgage) Collection
● (Account number prefix 0915862) Tel: 0800 085 0951
22 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
● (Account number prefix 0905) Tel: 0800 085 2168
● (ex National & Provincial) Tel: 0800 085 0817
● Santander Mortgage Litigation Tel: 0800 085 2048
● Secured Personal Loans Tel: 0800 085 0869
Complaints: Tel: 0800 171 2171.
Complaints, Santander UK PLC, PO Box 1125, Bradford BD1 9PG
Shop Direct Finance Company Ltd / Littlewoods Note: Shop Direct / Littlewoods have outsourced their liaison with third parties such as free advice agencies. Shop Direct ask that third party agencies deal with NCO Europe/RMA resolve – they are are listed in this contact list. Please contact them about all shop direct accounts that you are dealing with.
The NCO Europe/ RMA Resolve address should be used for accounts with the following brands:
Abound, Additions Direct, Arrears Collection Department, Brian Mills, Burlington, Choice, Empire Stores, GCC,Great U, niversal, isme, Janet Fraser, K&CoKays, Littlewoods, LX Direct, Marshall Ward, Nationwide Debt Recovery , Peter Craig, Very, and Woolworths (now part of Very)
For GCC accounts contact Shop Direct for payment instructions. Do not use BACS.
The contact details we have for Shop Direct are below for your information but please note that they have asked us to communicate via NCO Europe/ RMA Rescolve who are also listed in this bulletin.
Payment Department G, Sandringham House, Sandringham Avenue, Chelmsford CM92 1LN Tel: 0844 822 4821 Email: [email protected]
South West Water Adviser Helpline Tel: 0800 083 0283
PO Box 4762, Worthing, BN11 9NT Email:[email protected]
Student Loans Company
23 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Tel: 0141 243 3686 Customer Care Team, 100 Bothwell Street, Glasgow G2 7JD Email: [email protected]
Tesco Personal Finance Public numbers: Current Accounts Tel: 0345 835 3353 Loans Tel: 0345 600 6016 Credit Cards: 0345 300 4278
Tesco Bank, PO Box 27028, Glasgow, G2 9FT. Collections (loans), PO Box 27016, Braodway One, 199 Renfield Street, Glasgow G2 9FX
Mortgages- Tel: 0345 217 2050 Tesco Bank Mortgage Operations, PO Box 1214, Cheltenham, GL50 9WL
Trusted Quid / Trusted Cash Tel: 0191 450 0015 Fax: 020 7023 4917 Stadium House Business Centre, Alderston Road, Livingstone EH54 7DN
Operations Manager John Fettes, [email protected]
TSB Collections - for Account Specific Queries (Advisor use only, this number should not be given to the customer) - Tel: 0345 600 8973
TSB Collections, PO Box 2230, Barnwood, Barnett Way, Gloucester, GL3 9ED
Bank (Loans & Overdrafts) - for Customer use Tel: 0345 600 8973 Credit Card - for Customer use Tel: 0345 600 8972 Issues relating to TSB Bank policy and procedures: [email protected]
United Utilities Adviser Helpline Tel: 0800 912 7238
Outreach manager dealing with advisers: [email protected] 01925 429020 07767 298434
24 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
UKAR - UK Asset Recovery NRAM (Northern Rock Asset Management) mortgage accounts- Tel: 0330 159 9610 PO Box 625, DURHAM DH1 9JQ
Bradford and Bingley and Mortgage Express customers
General number - Tel: 0330 159 2590 Payment difficulty lines - Tel: 0330 159 1926 PO Box 629, DURHAM DH1 9JQ
Any escalations can be forwarded to the Debt Advice Team Tel: 0330 159 9610 [email protected] Debt Advice Manager: Lee Usher Tel: 0191 522 3484 Email: [email protected]
Virgin Money Payments and Financial Difficulty Tel: 0345 609 9837
Juibilee House, Gosforth, Newcastle-Upon-Tyne NE3 4PL
If matters cannot be resolved through the usual channels advisers can escalate them to:
Nick Watson Tel: 0191 279 8691 Mob: 07587 881160 Email: [email protected]
Vodafone Vodafone Customer Services, Vodafone House, The Connection, Newbury, Berkshire RG14 2FN
Tel: 191 from a Vodafone mobile, or Tel: 03333 040 191 from other lines.
Small Business Customers (fewer than 5 lines) 191 from the phone or 033 3304 191 or +44 7836 191 191 (from abroad)
Welcome Recoveries division - Tel: 0333 999 8917 Fax: 0845 5432561 email: [email protected]
Welcome Financial Services Ltd, Recoveries Division, Ruddington Fields, Mereway, Nottingham
NG11 6NZ
25 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Wescot Tel: 08448 241 157 Fax: 0844 824 1170 Email: [email protected]
Advice Agency Support Unit, Wescot Credit Services Limited, PO Box 137, Dunedin House, 45 Percy Street, Hull HU2 8HF
Wessex Water Tel: 0800 528 3838 Email: [email protected] Policy Team, Bristol Wessex Billing Services, 1 Clevedon Walk, Nailsea, Bristol BS48 1WA
www.wessexwater.co.uk
Woolwich All Woolwich and Barclays secured residential mortgages (including buy to let)
Tel : 0800 022 4022 Fax: 0845 6000 482
Mortgage Collections Centre, PO Box 8575, Leicester LE18 9AW
Wonga Telephone number: 0800 107 8140 Email: [email protected] Fax: 0207 990 9494
Wonga.com Limited, Hardship Department, Sheffield S95 1AR
Key contact: Max Cochran, Hardship Development Manager Tel: 0207 2848 046
Preferred payment methods in order of preference: Debit Card, Standing Order, Over–the–counter Bank payment, Cheque, Postal Order
Wonga’s website: www.wonga.com All complaint correspondence initially should be addressed to:
Complaints Officer, Wonga.com Limited, Sheffield, S9S 1AR
Yorkshire Bank Home Loans
26 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
Tel: 0844 693 3273 Fax: 0113 242 3788 Email: [email protected] Group Home Loans, First Floor, Merian Way, Leeds LS2 8NY
27 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.
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28 Confidential - Creditor Contacts for IMA members, Advice UK advisers and other free-to-client debt advisers.